Where do you live or shop that you are happy to take what is effectively a 3% pay cut for the privilege of having a slightly easier option to get your money back if someone charges you the wrong amount?
If I bake cakes to sell them, and have to pay 3% to a network for each purchase, then that 3% is in the price of the cakes.
I, as a cake seller have a cost i need to pay to the network every month, from my total revenue it's some percentage (depending on ratio of cash vs card). I obviously add that percentage to my cake prices to make up for that. Both cash and card payers pay the same amount for the cake, thus they share the price hike equally.
In Brazil, you'll typically get a "10% discount" when not paying by credit card.
Eg, it's very clearly pushed unto the consumer. I assume some law says they cannot charge more for it, so they got a default price, but always advertise a lower price with a small text "if paid via pix"